San Francisco, CA Market Street Office

Samantha Solberg is a financial advisor at Charles Schwab with one year of industry experience. She holds a Series 66 designation and previously worked at Breckinridge Capital Advisors, Inc. before joining Charles Schwab. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

John Sturiale is a CFP® with 26 years of industry experience currently with Charles Schwab in Danville, CA. He has held various roles within the Schwab organization since 2012, including positions at Charles Schwab Trust Bank, Charles Schwab Investment Advisory, Inc., and Charles Schwab Bank. Charles Schwab & Co., Inc. serves a large client base mainly consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory services with access to discretionary separately managed accounts and offers integrated brokerage, custody, and advisory solutions supported by a centralized operational structure.

Bich Nguyen is a financial advisor with Charles Schwab in San Francisco, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. She has been with Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2017, following one year at Bank of America. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management options supported by multi-asset model portfolios and centralized operational infrastructure.

Raphael Anaya is a financial advisor at Charles Schwab with 7 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo, Mechanics Bank/LPL, and JP Morgan Chase. Outside of finance, he spent a year working at Mariachi Mexican Grill. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary portfolio management supported by multi-asset model portfolios and a centralized operational structure.

Joseph Wraga is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with various Schwab entities since 2013, including Charles Schwab Trust Bank and Charles Schwab Investment Advisory, Inc. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, leveraging multi-asset model portfolios and alternative investment options.

Heather Einhell is a financial advisor with Charles Schwab in San Mateo, CA, holding a Series 66 license and nine years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2018 and previously worked at Fidelity Brokerage Services and the Workers' Compensation Insurance Rating Bureau. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed accounts and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Riley Mitrick is a financial advisor at Charles Schwab with one year of industry experience. He holds the Series 66 designation and has worked in various roles within Charles Schwab since 2024, including positions at Charles Schwab Bank and Charles Schwab & Co., Inc. Prior to joining Schwab, he gained experience at IRI Consultants and General Nutrition Centers, Inc. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Richard Armellini is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2014 and was previously with TD Ameritrade from 2022 to 2024. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custody services supported by a multi-asset model portfolio approach and alternative investment options.

R Durcanin is a financial advisor at Charles Schwab with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2005. Beyond his advisory role, he has been involved with a Home Owners Association since 2016 and has experience in real estate and property management dating back to 2013. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management using multi-asset model portfolios and centralized custody and brokerage services.

Nicholas Himan is a financial advisor at Charles Schwab in San Francisco, CA, holding Series 63 and Series 65 licenses with three years of industry experience. His prior experience includes roles at TD Ameritrade and Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with integrated brokerage, custody, and advisory services.

Michael Dickman is a financial advisor with Charles Schwab in San Francisco, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has been with Charles Schwab since 2000 and is involved with the Western Pension & Benefits Conference. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by due diligence from Schwab Center for Financial Research.

Michelle Raczek is a Series 66 registered advisor with Charles Schwab in San Francisco, CA, and has 19 years of industry experience. She has been with Charles Schwab and Charles Schwab Bank since 2007. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal process for alternative investment offerings.

Laurie Kwong is a financial advisor at Charles Schwab with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2012. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and order-routing.

Sai Kit Chan is a financial advisor at Charles Schwab with 20 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab since 2005, following roles at TD Ameritrade Clearing, Inc. and TD Ameritrade, Inc. Outside of his advisory role, Chan provides part-time technology consulting for a medical office in San Francisco, assisting with software and hardware issues. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary investment advice and access to affiliated discretionary managed accounts. The firm is notable for its large scale and integrated service model, including centralized custody and a structured approach to alternative investments.

Zhebin Huang is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 26 years of industry experience. He has worked with Charles Schwab Co., Inc. since 2000 and Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a range of integrated brokerage, custody, and advisory services.